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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville.

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Active

Active·1 day on market

11630 Simmons

Jacksonville, FL 32218

$125,000$135/sqftEst. $692/moMLS# 2168693
3
Beds
2
Baths
924
Sq Ft
1984
Built
—
Garage
No
Pool
FEMA Zone XNo HOA1.60 acresSingle Family Residence1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

Structure Has No Value, the Value is in the Land, Well & Septic. Discover the endless possibilities offered by this 1.6-acre parcel, complete with well and septic! This property is a blank canvas, poised for your innovation, ideas, and dreams. Nestled among other sizable properties, it provides a sense of privacy and tranquility that is hard to find. While the existing structure may not hold value, the current zoning allows for both manufactured homes and single-family site-built structures. This flexibility invites new owners to unleash their creativity and envision the perfect setup. Conveniently located off a paved road, this property boasts easy access to interstate routes, shopping, dining options, and a straightforward commute to Jacksonville International Airport. Ready-to-build land is a rare find in Duval County, so don't miss your opportunity to claim this exceptional parcel as your own.

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$692
Property taxesest. at asking price, Duval County$204
Estimated total, before insurance$896/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,398/yr · $200/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$125,000
$25,000
Loan Term
Monthly Payment
$692
Principal & Interest: $692
Property taxes (est.): $204
Insurance (est.): $83
Estimated Total Monthly
$980
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Metal — year not disclosed (home built 1984)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,647 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of October 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,398/yr

Estimated taxes if purchased at asking price: ~$2,400/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

History

Price & status history

  • Oct 9, 2026Listed$125,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $181/sq ft; this home is listed at $135/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4240 Key Vega Court, Jacksonville, FL 32218Listed by OPENDOOR BROKERAGE, LLC.Aug 2026$200,000$1813/1.51,1041271.6
9672 Sibbald Road, Jacksonville, FL 32208Listed by LANDBRIDGE REALTY GROUP LLCFeb 2026$200,000$2782/1720362.3
3311 Armstrong Street, Jacksonville, FL 32218Listed by RPB REALTY,INCJul 2026$246,900$2063/21,200472.4
9926 Frankella Road, Jacksonville, FL 32208Listed by 1 PERCENT LISTS FIRST COASTMay 2026$135,000$1562/1866372.4
9715 Flechette Avenue, Jacksonville, FL 32208Listed by REALTY ONE GROUP ELEVATEFeb 2026$144,500$1463/1.598822.4
5203 Chivalry Drive, Jacksonville, FL 32208Listed by EXP REALTY LLCJul 2026$199,900$1683/21,19282.5

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$125,000
Price / Sq Ft$135
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage924
Acres1.60 acres
Year Built1984
TypeResidential
Sub-TypeSingle Family Residence
StyleOther
Property ConditionFixer
StatusActive
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo

School Information

ElementaryDinsmore
MiddleHighlands
HighJean Ribault

Community Information

Address11630 Simmons, Jacksonville, FL 32218
Area091-Garden City/Airport
SubdivisionDinsmore Farms
CityJacksonville
CountyDuval
StateFL
Zip Code32218
Lot Size69,696 sq ft
Lot Dimensions115x634.25
Parcel Number0042640900
ZoningResidential

Amenities

UtilitiesWater Available, Other
SewerSeptic Tank
Water SourceWell
ParkingOther
ViewTrees/Woods, Other

Interior

AppliancesOther
CoolingOther
# of Stories1
LevelsOne

Exterior

Lot DescriptionFew Trees
RoofMetal
ConstructionAluminum Siding
Other StructuresShed(s), Workshop, Other
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedOctober 9, 2026
Days on Market1
Tax Amount$2,398.33
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: JPAR CITY AND BEACH

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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